Neo

  • Earn MileagePlus miles on your purchases
  • 10% discount on reward flights
  • Free First Checked Bag with United
Learn More

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

  • 5,000 miles on card activation and first transaction
  • Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

  • 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

  • 1.25 miles per $1 on United and Star Alliance flights
  • 1 mile per $1 on dining and groceries
  • 0.75 miles per $1 everywhere else
  • Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

  • Free First checked bag: Your first checked bag is covered on all your United-operated flights.
  • Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
  • Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
  • Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

  • Mastercard Zero Liability
  • Mastercard Global Service
  • Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

  • Emergency medical insurance
  • Comprehensive Travel Insurance
  • Extended Warranty and Purchase Protection
  • Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.

In practical terms, this means:

  • You spend fewer miles on your flights
  • You gain access to better seats and more options
  • You can book travel experiences that are unavailable to other members
Legal

Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.

Annual Fee
  • Primary card $89
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1MileagePlus mile
  • Dining and Food delivery1MileagePlus mile
  • All Spending0.75MileagePlus mile
Value
  • Year 1 $805
  • Year 2+ $355
Best For
Transfer Partners
  • United MileagePlus

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Guaranteed approval* and no hard credit check
  • International IDs accepted
  • $7.99 monthly fee
  • Up to 5% cash back at partner merchants
Legal

*Terms & conditions apply. See the application for complete details.

Annual Fee
  • Primary card $96
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1%
  • Gas1%
  • All Spending0%
Value
  • Year 1 $49
  • Year 2+ $25
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn Asia Miles on your purchases
  • Accepted at Costco
  • 15% discount on Cathay Pacific flights
Learn More

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

  • Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
  • 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

  • 2 Asia Miles for every $1 spent on purchases made in foreign currencies
  • 4 Asia Miles per dollar on Cathay Pacific purchases
  • 5 Asia Miles per dollar on average at thousands of Neo partners across the country
  • 1 Asia Mile per dollar on purchases made in Canada
  • Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
  • Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
  • Access over 1,300 airport lounges worldwide with DragonPass
  • Avoid queues with Mastercard's Fast Track service at security checkpoints
Annual Fee
  • Primary card $180
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • All Spending1miles
  • Groceries1miles
  • Gas1miles
Value
  • Year 1 $930
  • Year 2+ $180
Best For
Transfer Partners
  • Asia Miles

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$250
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Accepted at Costco
  • Up to 2% cash back on grocery
  • Up to 2% cash back on recurring payments
Learn More
  • Up to 2% cash back on groceries, gas, electric vehicle charging and recurring payments. And 0.5% everywhere else
  • Earn additional cash back at over 10,000 Neo network partners
  • No annual fee
  • Secured option to build credit history
Legal

Conditions Apply. See the application for complete details.

Annual Fee
  • Primary card $0
  • Additional card $10
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Recurring Payments2%
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Accepted at Costco
  • Up to 5% cash back on groceries
  • Up to 4% cash back on recurring payments
Learn More
  • Up to 5% cashback on groceries, 4% on recurring payments, 3% on gas, electric vehicle charging, and 1% everywhere else
  • Mastercard World Elite travel benefits including collision coverage for car rentals, comprehensive travel insurance and a subscription to DragonPass
  • Instant credit limit up to $30,000
  • Earn additional cash back at over 10,000 Neo network partners
  • Annual fee of $125
  • Secured option to build credit history
Legal

Conditions Apply. See the application for complete details.

Annual Fee
  • Primary card $125
  • Additional card $49
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries5%
  • Recurring Payments4%
  • Gas3%
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$250
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

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